If the life insurance company is testing your blood and/or urine, then they are checking to see if you smoke pot, and any other illegal drugs, such as, cocaine, methamphetamine, etc.
However, now that pot is legalized in some states, life insurance companies licensed in those states may now offer life insurance to people who smoke marijuana in those states.
In addition, there are life insurance companies that insure pot smokers, and carriers that do not require a medical exam, blood or urine test to qualify for life insurance coverage.
In fact, one "A" rated life insurance carrier now offers up to $350,000 of term life insurance coverage for a period of up to 30 years of protection with no health exam required, just some health questions.
And, if you do qualify for the life insurance you may start your policy the same day you apply. Learn more about life insurance with no medical exam required.